Insurance Guide — CVT Guides

Using CVT Trust Profile for underwriting — insurance signals, tiers, and Hard Search eligibility.

CVT prioritises insurance before credit. Insurer-grade signals — active cover, continuity, training — are first-class inputs to the Trust Profile long before any credit bureau integration (planned v5+).

Why insurers use CVT

Informal mobility operators often lack a portable record insurers can trust. CVT provides:

Verified identity and registration linked to a verification ID
Insurance continuity milestones (INSURANCE_ACTIVE, INSURANCE_CONTINUITY_MILESTONE)
Training and compliance (road safety, first aid, defensive riding)
Moderated conduct history — only after two-stage trust moderation, never raw complaints

CVT does not approve claims or guarantee insurability. You apply your own underwriting rules to exported facts.

Insurance-relevant trust events

Event	When emitted
`INSURANCE_ACTIVE`	Cover verified active on record
`INSURANCE_CONTINUITY_MILESTONE`	Unbroken cover (e.g. 12m / 24m)
`INSURANCE_LAPSED`	Cover ended — informational; weight in your policy
`ROAD_SAFETY_CERTIFIED`	Verified training
`FIRST_AID_CERTIFIED`	Verified training
`CLEAN_PERIOD_24M`	No trust-affecting conduct in 24 months

Conduct events (COMPLAINT_TRUST_VERIFIED, COMPLAINT_TRUST_SEVERE) appear only after Stage B moderation.

Access tiers for insurers

Tier	Typical insurer use	Requires
Soft Search	Initial screening, premium banding	Consent + API key
Enhanced Search	Deeper risk assessment	Consent + employment-grade profile
Hard Search	Underwriting with conduct categories	Consent + enterprise contract + per-query justification

Hard Search is privileged access — not automatic for every partner_type = insurer. CVT enables it per partner when:

hard_search_contract_ref is on file
Contract is not expired or revoked (hard_search_expires_at, hard_search_revoked_at)
Named users and audit requirements are met

API flow for underwriting

Registrant applies for cover and grants consent:

“I consent to ABC Insurance accessing my CVT Trust Profile for underwriting.”
Your system obtains a consent token from CVT (purpose: insurance).
Call Trust Search:

POST /api/v1/partner/trust-search
Authorization: Bearer {partner_api_key}
X-Consent-Token: {consent_token}

{
  "verification_id": "CVT-RDR-2026-000042",
  "search_category": "insurance_underwriting",
  "context": {
    "application_reference": "POL-2026-004821"
  }
}

If entitled to Hard Search, the response may include conduct rows:

Category:   Dangerous driving
Severity:   Moderate
Date:       March 2024
Status:     Resolved

Never returned: complainant identity, phone numbers, evidence files, witness statements.

What Soft Search shows (all entitled insurers)

Trust level:              Gold
Current standing:         Good
Trust-affecting events:   1 (resolved)
Months since last event:  36
Active suspension:        No
Highest severity:         Moderate

Aggregates only — no categories, narratives, or dates.

Sealed records and rehabilitation

After 5 years + clean recovery, moderate conduct events may be sealed. Sealed events are:

Visible to the registrant (indicator only)
Excluded from Hard Search and all partner tiers
Available only to CVT Trust Team and lawful disclosure

Permanent punishment destroys trust systems — rehabilitation is a product principle.

Weighting in your policy

CVT publishes a trust level and Good Standing under versioned policy (trust-v1.0.0). Insurers may apply their own weighting on exported facts within contract — separate from CVT’s public level.

Recommended approach:

Use insurance continuity and training as positive gates
Treat single upheld moderate conduct as light factor, not automatic decline
Require repeat upheld pattern before strong negative action (aligned with CVT v1 philosophy)

Language requirements

Use	Avoid
Trust profile for underwriting	”Credit score”, “CRB check”
Registry-verified facts	”Safety guarantee”, “claim approved”
Partner applies own policy	”CVT approved this rider”

Checklist for insurer partners

Enterprise contract and Hard Search entitlement confirmed with CVT
Consent copy reviewed for insurance purpose
Application reference captured as Hard Search justification
Underwriters trained on tier differences (Soft vs Hard)
Disclaimers shown in your application UI
Annual contract review scheduled